Girvi loans
Open a pledge loan with principal, rate, tenure, and collateral weights/photos. Record repayments and close cleanly — next to billing and khata, not in a notebook only one munim can read.
Girvi + khata + bill — ek hi roof ke neeche. Register alag mat rakho.
Starter is free with no end date. English or Hindi. Same login as stock, schemes, khata and girvi.
Girvi · L-104
Ramesh Soni · 2 bangles · 22K · 18.2 g
The counter today
Shop-side pledge lending (girvi) needs clear principal, interest, tenure, collateral detail, and a settlement path. When this lives in a personal diary, disputes rise: “kitna byaj bacha hai?”, photos of ornaments go missing, and handover between staff is painful. SwarnaVyapar gives jewellers a structured loan module beside retail billing and udhaar khata — without pretending to be a bank loan originations platform.
Built for
01
Create a loan under Loans → New Loan. Select or create a loan customer (loan customers can sit alongside retail CRM without forcing every sales contact into girvi). Set principal, interest rate, tenure, and repayment type: interest-only, EMI, or bullet. Add collateral: metal, weights, photos, and valuation so the file matches what is in the vault. Disburse, then record payments over time until you close on settlement.
02
Khata is a running ledger for day-to-day money in/out (udhaar): positive balance usually means they owe you. Loans are structured pledge deals with collateral, interest rules, and a close path. Many shops need both. SwarnaVyapar keeps them as separate modules under one login so you do not mix a casual due with a locked ornament loan.
Girvi · L-104
Ramesh Soni · 2 bangles · 22K · 18.2 g
01
Loans → New Loan. Pick or create the loan customer, then enter principal, interest rate, tenure, and repayment style (interest-only / EMI / bullet).
Girvi · L-104
Ramesh Soni · 2 bangles · 22K · 18.2 g
02
Add pledge details: metal, weights, photos, and value. This is what protects both shop and customer when memory fades.
Girvi · L-104
Ramesh Soni · 2 bangles · 22K · 18.2 g
03
Disburse the loan, then record repayments as they come — so outstanding interest and principal stay visible instead of “munim ko poochna padta hai.”
Girvi · L-104
Ramesh Soni · 2 bangles · 22K · 18.2 g
04
When the customer closes, settle the account in the system so the loan is marked closed and the file is complete for audits or disputes.
Not here? Ask us on WhatsApp
No. It is shop-side pledge / girvi operations for jewellers who lend against ornaments. It is not a regulated bank originations or NBFC lending platform.
Yes. Collateral supports photos along with metal, weights, and valuation so the vault and the software match.
No. You remain responsible for how you lend under applicable rules. SwarnaVyapar helps you run clean shop records for pledge loans next to retail ops.
Khata is a running money ledger (udhaar). Girvi loans are structured deals with collateral, interest, tenure, and a formal close. Use both when your shop does both.
Yes. When you create the loan you choose repayment type: interest-only, EMI, or bullet — then record payments against that structure.
Free to start. WhatsApp us for a girvi + khata walkthrough in English or Hinglish.